Seattle, WA Home Insurance - Analysis On Quotes, Rates & Agents

Seattle, WA Insurance Rates:

The average cost of home insurance in Seattle, WA is $1148. vHome analyzed multiple home insurance quotes in Seattle, WA to narrow down the list of the cheapest insurance companies in Seattle, WA. vHome stresses the importance of comparing quotes from multiple companies to narrow down the best one that suits the consumer’s needs. Enter your Zip Code in the below banner to get instant home insurance quotes.

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Average Home Insurance Premium in Seattle, WA

National Average Premium State Average Premium Seattle Average Premium
$1,438 $809 $1,148

Top Home Insurance Companies in Seattle, WA | Back to Top

vHome Insurance has compiled a list of home insurance companies providing the best home insurance rates. The companies are as follows.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Safeco $708 $850 $1,105 $1,525
Allstate $1,082 $1,299 $1,689 $2,330
State Farm $978 $1,173 $1,525 $2,104
Grange $732 $878 $1,142 $1,576

Seattle, WA Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 220.46
$150,000 To $174,999 397.44
$175,000 To $199,999 449.96
$200,000 To $249,999 538.91
$250,000 To $299,999 777.73
$300,000 To $399,999 1,061.9
$400,000 To $499,999 1,323.48
$500,000 To $749,999 1,694.06
$750,000 To $999,999 1,958.75
$1000,000 To $1499,999 2,157.28
$1500,000 To $2000,000 2,316.09

Visual Guide for Seattle, WA Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Seattle, WA | Back to Top

Home Insurance Company Near Seattle, WA Homeowners Insurance Agency Near Seattle, WA Address
Travelers Homer Smith Insurance Inc 804 WATER STREET, PORT TOWNSEND, WA, 98368
Liberty Mutual Independent Otter Insurance Agency Inc 20102 CEDAR VALLEY ROAD, LYNNWOOD, WA, 98036
Travelers Professional Insurance Group Inc 555 116TH AVE NE STE 111, BELLEVUE, WA, 98004
Allstate Thida Sin 10423 Main St Ste 1A, Bellevue, WA, 98004
Liberty Mutual Independent Carriage Insurance Agency 301 Bendigo Blvd N North Bend, North Bend, WA, 98045

List of Seattle, WA Home Insurance Agents by Companies


Seattle, WA Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Seattle, WA with no claims filed get a discount of $137.76, whereas homeowners with one claim have to file an additional home insurance rate of $103 while homeowners with 2 claims have to pay an additional $138 for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -138 1,010
One Claim +103 1,251
Two Claim +138 1,286


Seattle, WA Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
98112 745,300 1,114
98199 622,800 1,162
98119 614,500 1,102
98105 611,600 1,068
98115 492,800 1,102
98109 491,700 1,114
98177 489,300 1,091
98103 482,600 1,085
98116 476,200 1,085
98117 470,800 1,114
98136 462,400 1,163
98107 455,700 1,091
98104 437,500 1,091
98122 420,900 1,164
98102 415,500 1,091
98121 407,400 1,091
98144 399,900 1,164
98101 393,800 1,068
98126 380,500 1,085
98125 377,400 1,114
98118 360,500 1,102
98133 338,200 1,102
98106 305,100 1,163
98134 206,700 1,079

Factors Affecting Home Insurance Premiums in Seattle, WA

The average cost of homeowners insurance in Seattle, WA is $1148. Various factors could help homeowners lower their home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance costs.

Seattle, WA Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 783
3 Bedroom 839
4 Bedroom 1,286
5 Bedroom 2,517

Seattle, WA Home Insurance Premiums for Different Deductibles | Back to Top

Homeowners with a deductible of $500 pay a much higher amount on their home insurance premium, while homeowners who pay a deductible of $2500 pay a much lower amount on their home insurance premium as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,134
$1000 Deductible 1,026
$1500 Deductible 966
$2000 Deductible 877
$2500 Deductible 824

Seattle, WA Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Seattle, WA pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 895
Year 30 Old 1,165
Year 40 Old 1,178
Year 50 Old 1,192
Above Year 50 1,203

Seattle, WA Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 138 1,010
Masonry 57 1,091
Brick 57 1,091
Superior 103 1,045
Hail Resistant Roof 34 1,114

Top Saving Tips on Seattle, WA Homeowners Insurance | Back to Top

Homes built using sturdy materials, which are highly resistant to damage, receive substantial discounts on homeowners’ insurance. Seattle, WA homeowners can also bundle their home insurance policy with auto insurance to receive more discounts. Apart from this, home insurance companies tend to provide discounts to homes equipped with security features that make them less prone to burglaries. Senior citizens residing in households earn a considerable amount of discounts on homeowners insurance.

The tables below contain the complete list of discounts that Seattle, WA homeowners can take advantage of to increase their savings.

Seattle, WA Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 195 953
Retiree Discount (Senior Citizen Discount) 161 1,309
Newly Constructed Home 253 895

Seattle, WA Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 126 1,022
Fire Extinguishers 80 1,068
Smoke Detectors 103 1,045
Sprinkler System 115 1,033
Fire Alarm 69 1,079
Burglar Alarm 103 1,045
Lightning Protection 34 1,114

Latest Home Insurance Reviews

Liberty Mutual
One thing I don't like is that in order to continue to get a discount I have to remain bundled with my car insurance.
Nationwide
I have never had an issue with their service. Just recently we filed an insurance claim. They walked us through every step of the way. They stayed in contact with me and were very helpful. I could not have been more pleased.
Allstate
I like the website is easy to navigate. The easy navigation makes it easy to find what I need when I need it with just a few clicks.
Travelers
The website login could be improved. By making the log in a puzzle, it makes it so I have to constantly recover all of my information to use the site.
Geico
I would rate this company on a scale of 1 out of 5 because I am extremely satisfied with them. I would recommend to my families and friends. Great team and great customer services.
State Farm
I actually do not use the mobile app, I only use the desktop website.
Allstate
I used to be with State Farm and the premiums got out of control, I did a price comparison and it wasn't close considering the bundles that I had
Amica Mutual Insurance
I'd say the one thing I really like about Amica is their customer service. It's rare to find any company that has top notch service like this and it doesn't degrade over time. While I have been with the company a short while, I would say I've been with them long enough to notice if there was a decline in their services.
Progressive
prices are too high
Liberty Mutual
For me, personally, I dislike having to negotiate over a claim, no matter how amicable it is done. I understand the insurance company is in business to make money, and so for me, it is a necessary evil.
State Farm
I like musty the custom severs very helpful , I have no problems so far with this company .
Liberty Mutual
I love this insurance company and I would recommend them over and over. They are the nicest people and so knowledgeable to boot! They never make me feel like I'm inconveniencing them and really genuinely care about their customers. I have had other insurance companies in the past, and none of them have ever come close to this one.
Allstate
I have only had to talk to them a couple of times but the experience was good. They were knowledgeable and quick to answer my questions fully and very nice.
State Farm
I like that when you call someone usually calls you right back. It's very easy to file a claim and if you have a question they do their best to find an answer for you.
State Farm
It covers 80 % of the damage to the home. So it's nice and very happy with hit and very cheap. The company is well known and reputed so can be trusted easily
State Farm
I love State Farm. I have both my auto and home insurance bundled together and have never had a problem with them.
Geico
I would recommend GEICO to other people looking to buy insurance since their pricing is good and their services are top notch. My rates have not gone up by a lot in the last 5 years.
Allstate
Allstate, overall, has pretty good customer service. I had a claim 2 years ago due to house fire, and the people working the claim were fairly easy to deal with.
Progressive
I think the premium and deductible of my house insurance is phenomenal. I compared Progressive with other companies, and I think that I got the best deal of coverage for what I pay.
State Farm
State farm offers the best and most affordable insurance policies on the market.
Allstate
Both my premium and deductibles are extremely reasonable and affordable. When discussing what I pay with friends who are with other companies, I am happy to hear that my rates are on the lower end.
Allstate
I haven't researched other insurance companies in many, many years so I have no basis on which to answer this question.
Safeco Insurance
when we switched to safeco they were substantially less than the other insurance provider we used before.
Farmer's Insurance
My new policy offers a lot more than my old insurance policy. My old policy did not cover wind damage or flooding while, my new insurance company offers these options.
Safeco Insurance
Fortunately, I have had no dealings wth their customer service. I purchased my coverage through and independant agent and their service is outstanding.
State Farm
Theft is one of my biggest concerns as a homeowner in my neighborhood and the fact that state farm covers theft gives me confidence in them.
Progressive
My home insurance company rate doesn't change from year to year, even with the discount aspect. even though it is cheaper than others. i have comparison shopped around for, i think it's not discounted enough for being bundled with my car insurance. i think the price could be better, honestly.
Progressive
Their customer service is excellent. i've never had a bad experience speaking with them on the phone, and the wait times are always minimal regardless of what time of day i call them.